泰州农村个人金融理财产品问题研究

发布时间：2018-02-25 07:13

本文关键词： 金融理财农村居民　出处：《华中师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：金融投资是具有着主观能动性,但是具体投资结果却有着非常多客观因素制约的金融活动,我国金融市场上的投资理财产品琳琅满目,几乎每种都有着其针对的客户群体。随着我国农村居民收入显著提高,农村居民手中的剩余财富也越来越多,但由于自身缺乏基本的金融理财知识,政府及金融机构重视程度也不够,因此农村居民手中的财富并不能得到充分利用,甚至造成损失。农村居民的个人资金管理,在人数基数上是最多的。农村金融发展,往往直接关系着国家的金融命脉,所以近几次的国家金融论坛上,都将其列为重要的研究对象。从目前的情况来看,虽然每个银行和金融机构都对于我国的农村金融理财产品进行了相应的重视,但是从根源上来看,其实并没有出现十分适合农村居民进行投资的理财产品,或是投资风险过大,或是周期过长。而农村居民投资者是有着其特殊性的群体,一般的理财产品无法满足其实际需要。近年来外国的一些农村居民理财项目做得十分好,给我们国内广阔的市场更大的信心。本文通过对泰州市农村居民金融理财的现状进行描述,试图从农村居民理财需求的角度出发,分析现象背后的事实,希望以此能够寻找到解决各个银行在开拓农村金融理财市场的有效途径。
[Abstract]:Financial investment is a kind of financial activity with subjective initiative, but the concrete investment results are restricted by many objective factors. As the income of rural residents in China has increased significantly, the remaining wealth of rural residents is increasing, but due to their own lack of basic knowledge of financial management, The government and financial institutions are not paying enough attention to it, so the wealth in the hands of rural residents cannot be fully utilized, even resulting in losses. The management of personal funds of rural residents is the largest in terms of the number of people. Rural financial development, It is often directly related to the national financial lifeline, so in recent national financial forums, it is regarded as an important research object. Judging from the current situation, although each bank and financial institution has paid corresponding attention to the rural financial management products in China, from the root of the point of view, In fact, there is no wealth management product that is very suitable for rural residents to invest in. Either the investment risk is too high or the period is too long. However, the rural residents' investors have their own special groups. General financial products can not meet their actual needs. In recent years, some rural residents in foreign countries have done very well in financial projects, giving us greater confidence in the broad domestic market. By describing the present situation of financial management of rural residents in Taizhou City, this paper tries to analyze the facts behind the phenomenon from the perspective of the financial needs of rural residents. We hope that we can find an effective way to solve the problems of banks in developing rural financial markets.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.5

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